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Jesus4us

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Can I raise my credit score from 748 to 825 in 14 months with 2 new credit cards?

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Top Contributor
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Unlikely

Without knowing your full credit history it is impossible to tell.  You also would have to factor in WHICH score (Vantage 3.0, FICO 1,FICO 2....FICO 3)

Basically in 14 months the hard inquiries will have very little effect, but still could be dragging you down ~10 points.  Your average age of credit will still be affected lower, but your ontime payments and possibly credit utilazation might be helping.  So depending on your current uasage you may or may not see any increase after the 12-14 month time frame.  To make it into the 800's you need a diversivied credit history of car/home/credit card records, a high credit limit and 100% ontime payment record for over 4 years with no negative records for the full 7 years.  I am not sure what you need the 825 for, but for home loans anything in the upper 700's generally gets you the best rates and terms, so you may not need to raise it as much as you think if that is the case.

Top Contributor
621 Contributions
261 People Helped

Unlikely

Without knowing your full credit history it is impossible to tell.  You also would have to factor in WHICH score (Vantage 3.0, FICO 1,FICO 2....FICO 3)

Basically in 14 months the hard inquiries will have very little effect, but still could be dragging you down ~10 points.  Your average age of credit will still be affected lower, but your ontime payments and possibly credit utilazation might be helping.  So depending on your current uasage you may or may not see any increase after the 12-14 month time frame.  To make it into the 800's you need a diversivied credit history of car/home/credit card records, a high credit limit and 100% ontime payment record for over 4 years with no negative records for the full 7 years.  I am not sure what you need the 825 for, but for home loans anything in the upper 700's generally gets you the best rates and terms, so you may not need to raise it as much as you think if that is the case.

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